Wherever you’re located, the length of the boating season is already factored into your rate. Insurance companies know that boaters aren’t going out year-round in most places. Your premium is based on typical annual use for your geographical area, however long or short the period might be.
Also, keep in mind that your boat when your boat is insured it is covered even when it’s docked or in storage. Your policy can cover things like sinking, weather damage, vandalism, and theft — which can happen any time.
As a boater, you have specialized insurance needs. We can help map the various insurance options and can answer your questions about what different boat insurance coverage types protect so you can build a policy that makes the most sense for you.